{"article":{"id":14977441562647,"url":"https://plaid.zendesk.com/api/v2/help_center/en-us/articles/14977441562647.json","html_url":"https://support.plaid.com/hc/en-us/articles/14977441562647-Why-is-an-Item-returning-an-ITEM-LOGIN-REQUIRED-error-soon-after-creation","author_id":396033157154,"comments_disabled":true,"draft":false,"promoted":false,"position":4,"vote_sum":0,"vote_count":0,"section_id":15991464436119,"created_at":"2023-05-31T22:25:23Z","updated_at":"2026-06-03T17:29:37Z","name":"Why is an Item returning an ITEM_LOGIN_REQUIRED error soon after creation?","title":"Why is an Item returning an ITEM_LOGIN_REQUIRED error soon after creation?","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-06-03T17:29:37Z","user_segment_id":null,"permission_group_id":1121774,"content_tag_ids":[],"label_names":[],"body":"<p>When an Item that a user has connected encounters an <a href=\"https://plaid.com/docs/errors/item/#item_login_required\"><code style=\"border:none;background:#f1f3f5;padding:1px 4px;border-radius:3px;font-size:0.9em;\">ITEM_LOGIN_REQUIRED</code></a> error within a few minutes of it being added, it's likely that one of the following happened:</p>\n<ul>\n<li>\n<strong>A real-time balance call was made</strong> — <a href=\"https://plaid.com/docs/api/products/signal/#accountsbalanceget\"><code style=\"border:none;background:#f1f3f5;padding:1px 4px;border-radius:3px;font-size:0.9em;\">/accounts/balance/get</code></a>, or <a href=\"https://plaid.com/docs/api/products/signal/#signalevaluate\"><code style=\"border:none;background:#f1f3f5;padding:1px 4px;border-radius:3px;font-size:0.9em;\">/signal/evaluate</code></a> when called with a ruleset that includes a balance rule, performs a real-time balance check with the financial institution. Requesting more data immediately after the initial connection can sometimes cause an <code style=\"border:none;background:#f1f3f5;padding:1px 4px;border-radius:3px;font-size:0.9em;\">ITEM_LOGIN_REQUIRED</code> error. Since the data was just pulled when the Item was created, it will be accurate and there's no need for an additional real-time balance check. If you need balance data right after an Item add, the best practice is to use the <a href=\"https://plaid.com/docs/api/accounts/#accountsget\"><code style=\"border:none;background:#f1f3f5;padding:1px 4px;border-radius:3px;font-size:0.9em;\">/accounts/get</code></a> endpoint, which returns the cached <code style=\"border:none;background:#f1f3f5;padding:1px 4px;border-radius:3px;font-size:0.9em;\">balances</code> object without re-contacting the institution.</li>\n<li>\n<strong>A product was added to the Item</strong> - when a Plaid product (e.g. Identity, Investments) is added to an Item, Plaid connects to the financial institution to request that additional data. If the financial institution requires authentication to retrieve that data, the Item will return an <code style=\"border:none;background:#f1f3f5;padding:1px 4px;border-radius:3px;font-size:0.9em;\">ITEM_LOGIN_REQUIRED</code> error.</li>\n</ul>\n<p>Adding products and calling Balance right after an Item add won't always result in an error, but it does happen at times so following the advice here is best practice to reduce friction for your users.</p>\n<p>If you are seeing frequent <code style=\"border:none;background:#f1f3f5;padding:1px 4px;border-radius:3px;font-size:0.9em;\">ITEM_LOGIN_REQUIRED</code> errors after an Item add but are not calling Balance or adding new products, please <a href=\"https://dashboard.plaid.com/support\">create a support ticket</a> and we will look into what is causing the issue.</p>","user_segment_ids":[]}}